Velocity Points2

There’s no place like home. Let’s help you keep it protected. With our affordable home insurance, you’ll enjoy flexible cover, top-notch service and even earn holiday rewards. Earn 5,000 Velocity Points when you purchase a new eligible policy2 by 19 August 2020. T&C’s apply.

What's covered?

When you take out Virgin Home Insurance, you'll be covered for:
  • Garages and other domestic outbuildings
  • Swimming pools and spas that are permanent fixtures, including in ground
  • Fixtures and fittings connected to gas, electrical and plumbing 
  • Driveways, paths, paving and sewerage services
  • Verandas, patios, pergolas, permanent decking and gazebos

For full cover details, see our Product Disclosure Statement.

Why Virgin Home Insurance?


Save up to 15%1 when you purchase Virgin Home Insurance online


Earn 5,000 Velocity Points2 when you purchase a new eligible policy


Affordable and flexible cover options, with 21 day money back guarantee4


You can lodge an insurance claim over the phone or online at any time of the day or night, 365 days a year


Virgin Insurance Hub - Manage your policy online 24/7


Get cover in minutes - with our easy online application process

  • More benefits of Virgin Home Insurance
    • Home building - Cost to repair or replace any damage to your home building
    • Home modifications - Modifications to your home if you suffer permanent paraplegia or quadriplegia as a result of an insured event at the insured address
    • Mortgage discharge - Legal and administrative costs to discharge your mortgage, if your home is destroyed
    • Temporary accommodation - Temporary accommodation for your family if your damaged building/and or contents make your home unliveable
    • Legal liability - If you are legally liable for someone’s death or bodily harm or damage to someone else’s property caused by an accident at the insured address or anywhere in Australia
    • Additional costs - Extra building costs such as demolition, associated building fees and storage of undamaged contents

What’s included?



Price Saver
Home Insurance
Repair or replacement of your home building  
Repair or replacement of your home contents.
Limits apply to certain items. See PDS
Legal liability
Up to $20 million
Temporary accommodation
Up to 10% of sum insured, up to 12 months
Debris removal and extra rebuilding costs
Up to 10% of sum insured
Funeral expenses Up to $7,000
Modifications to home Up to $5,000
Mortgage discharge costs Up to $750
Contents temporarily removed  
Contents lost or damaged in transit  
Replacement of locks and stolen keys
Unattached equipment  
Visitors’ uninsured contents  
Food spoilage  

This is a brief summary only. Conditions apply. Full details are contained in the Product Disclosure Statement (PDS).

Optional cover
Optional Covers
Flood Cover  
Personal Effects Cover  
Motor Burnout Cover  
Accidental Damage Cover  
Choice of Excess Options  
Sum Insured Safeguard  
Commercial Storage  
Insured events

Our home and contents insurance will cover you for the following events:

  • Fire
  • Explosion
  • Theft or attempted theft
  • Malicious damage, vandalism, riot or civil commotion
  • Breakage of glass, ceramic and sanitary fixtures
  • Storm and rainwater
  • Lightning
  • Earthquake or Tsunami
  • Escape of liquid (e.g. pipes, drains, etc)
  • Impact at home (e.g. fallen tree/branch)

Virgin Home and Contents Insurance standard

We no longer offer the Virgin Home and Contents Insurance standard product. If you currently hold this policy or have any questions regarding cover options, please call our friendly customer care team on 1800 724 678.

You can find the Product Disclosure Statements for this policy on the Important Documents page.